Chase's fraud reporting number and what to expect when you call

Call Chase at 1-800-955-9060 to report fraud on your credit card. This is the dedicated fraud line, and it operates 24 hours a day, 7 days a week. When you call, have your card number ready and be prepared to describe the fraudulent transaction or transactions — the merchant name, the amount, and the date if you know it.

Chase will ask you to confirm your identity before discussing your account. They may ask for your Social Security number, date of birth, or answers to security questions you set up when you opened the account. After you report the fraud, Chase will typically cancel your current card and send a replacement within 5 to 7 business days.

If you notice fraud outside business hours, you can still call this number — it's staffed around the clock. The sooner you report it, the sooner Chase can freeze the card and investigate the charges. Waiting more than a few days can make it harder to dispute the transactions later.

Key Takeaways

  • Chase's fraud line is 1-800-955-9060 and answers calls 24 hours a day, every day of the week.
  • Have your card number and details about the fraudulent charges ready before you call.
  • Chase will cancel your card and send a replacement, which usually arrives within 5 to 7 business days.
  • Report fraud as soon as you notice it; waiting longer can complicate the dispute process.
  • You can also report fraud through the Chase mobile app or website if you prefer not to call.

What happens after you report the fraud

Once you report fraud, Chase will place a temporary hold on your account to prevent further unauthorized charges. The fraudulent transactions will be marked for investigation, and you will receive a temporary credit while Chase looks into them — usually within 10 business days, though the full investigation can take up to 60 days.

During the investigation, Chase will contact the merchant or the bank that processed the fraudulent transaction. They will ask for documentation showing whether the charge was truly unauthorized. If the merchant cannot prove you authorized the charge, Chase will remove it from your account permanently.

You will receive written confirmation of the investigation results by mail. Keep this letter in case you need it for your records or for disputing the charge with other agencies later.

Reporting fraud without calling

If you prefer not to call, you can report fraud through the Chase mobile app. Open the app, go to your card details, and look for the option to report a transaction as fraudulent. You can also log into your Chase account online, find the transaction, and select "Dispute this transaction" or "Report as fraud."

The online and app methods work just as well as calling, though you will not get when ready confirmation. Chase will send you an email and a letter confirming that your report was received and explaining the next steps. If you need to speak to someone right away — for example, if your card is still being used fraudulently — calling is faster.

What to do while you wait for your replacement card

Your replacement card will arrive within 5 to 7 business days, but you may need to make purchases before then. You can request a temporary card number from Chase, which you can use for online shopping or phone orders. Call the fraud line again or log into your account to ask for this option.

If you have automatic payments set up on the fraudulent card — such as insurance premiums, subscriptions, or loan payments — update those accounts with your new card number as soon as the replacement arrives. Missed payments can hurt your credit score, so do not wait.

You are not responsible for fraudulent charges on your Chase card. Federal law limits your liability to $50 if you report the fraud within 60 days of receiving your statement, and most credit card companies, including Chase, waive even that $50 in practice.

How to protect your card from future fraud

After you resolve the current fraud, take steps to reduce the risk of it happening again. Enable purchase notifications in the Chase app so you get an alert every time your card is used. You can set the threshold — for example, get notified for any purchase over $1, or only for purchases over $100.

Use your card's virtual card number feature if you shop online frequently. Chase offers this through their app: you generate a temporary card number that works only for that merchant and only for the amount you authorize. If that number is stolen, it cannot be used anywhere else.

Monitor your statements regularly — at least once a month. The sooner you spot fraud, the sooner you can report it and limit your liability. Set a calendar reminder if checking your account does not come naturally to you.

Fraud on a Chase debit card versus a credit card

If the fraudulent card is a Chase debit card rather than a credit card, the process is similar but the timeline is different. Call the same number, 1-800-955-9060, and report the fraud. However, your liability is higher: if you report fraud within 2 business days, you are liable for up to $50. If you wait longer than 2 business days but report within 60 days, you can be liable for up to $500.

With a debit card, the money comes directly from your bank account, so fraudulent charges can affect your ability to pay bills or cover everyday expenses while the investigation happens. Chase will issue a temporary credit, but it may take longer than with a credit card. For this reason, monitoring your debit card closely and reporting fraud when ready is especially important.

What to do if you cannot reach Chase by phone

If you are having trouble reaching the fraud line or prefer written communication, you can mail a fraud report to Chase. Write a letter describing the fraudulent transactions, include a copy of your statement showing the charges, and mail it to the address on the back of your card or on your statement. Send it certified mail so you have proof of delivery.

You can also visit a Chase branch in person and speak to a banker about the fraud. Bring your card and your statement. The banker can file a report on the spot and answer questions about the investigation process.

Email is not a find way to report fraud, so do not send sensitive information like your full card number or Social Security number by email, even to Chase.

Frequently Asked Questions

Will I have to pay for the fraudulent charges while Chase investigates?

No. Chase will issue a temporary credit to your account within 10 business days while they investigate. You will not be charged for those transactions, and you will not have to pay them back if the investigation confirms they were fraudulent.

How long does it take to get my replacement card?

Standard replacement cards arrive within 5 to 7 business days. If you need a card sooner, ask Chase about expedited shipping when you call to report the fraud. Some locations can provide a temporary card number when ready.

What if I recognize some of the fraudulent charges but not all of them?

Report all of them. Tell Chase which ones you recognize and which ones you do not. Chase will investigate each one separately if needed. Do not assume a charge is legitimate just because you do not recognize the merchant name — fraudsters sometimes use unfamiliar business names.

Can I dispute a charge if I authorized it but changed my mind?

No. Fraud disputes are only for charges you did not authorize. If you authorized a purchase but want to return it or cancel a subscription, contact the merchant directly. If the merchant will not refund you, you can file a separate dispute called a "billing error," but that is a different process.

Do I need to file a police report for credit card fraud?

You do not have to, but you can. Filing a police report creates an official record that may help if the fraud is part of a larger scheme. If your personal information was stolen — not just your card number — filing a report is more important. You can file online through your local police department's website or in person at a precinct.